联系我们

论文查询结果	返回搜索

论文编号：	11366
作者编号：	2320170574
上传时间：	2019/12/13 9:22:25
中文题目：	中小企业融资租赁业务风险管理研究—以T融资租赁公司为例
英文题目：	Research on Risk Management of Small and Medium Enterprises Finance Leasing Business -- Taking T Finance Leasing Company as an Example
指导老师：	马连福
中文关键字：	融资租赁；中小企业；风险管理；
英文关键字：	Financial leasing；Small and medium-sized enterprise business；Risk management；
中文摘要：	融资租赁起源于第二次世界大战以后的美国，它兼具了融资和融物的特点。融资租赁在我国经历了两个发展阶段，第一个阶段是从引入到2006年，行业经历了引入、快速发展到行业性租金逾期，大量融资租赁公司破产停业；第二阶段是2007年到现在，融资租赁行业进入新的一轮快速发展阶段。融资租赁行业发展到现在，面临增长困境的同时也存在较大问题，尤其是行业同质化发展严重，大量业务属于类信贷业务，扮演着影子银行的角色，而该部分业务游离于金融监管之外，存在系统性风险。近年来，如何引导融资租赁行业回归本源、脱虚向实，尤其是服务中小企业成为了行业热点，国家也制定了多项政策和措施，如限制违规进入政府平台，鼓励和引导融资租赁公司服务实体经济，尤其是中小企业等。但因为中小企业项目风险较大，致使融资租赁公司开展相关业务非常谨慎，尚未形成规模。本文从理论以及实务角度，对中小企业租赁业务的风险管理按照风险管理的一般程序，即识别，度量和控制展开了分析和研究，此部分构成了本文的核心内容。首先介绍了中小企业融资租赁业务存在的相关风险分类、成因及危害，指出了各种风险的成因与危害，分析了当前融资租赁公司在中小企业融资租赁业务风险控制方面的现状和不足；然后，针对中小企业融资租赁业务主观风险的度量，提出了一般的方法和思路，从实务角度，例举了相关的方法和工具作为参考；最后，从风险控制角度提出了一般管理方法，并通过举例的方法，列出了各种风险的一般风险点和管理工具。此外，文章提出了融资租赁公司建立风险管理体系的保障措施。本文通过案例分析，介绍了T融资租赁公司中小企业融资租赁业务经营发展成果，风险管理方法和措施，实际风险情况等，使读者对其整体战略、财务情况、资产质量、风险管理等全方面有详细的了解。通过对T公司多年来从事中小企业融资租赁业务的风险管理情况分析，对论文前述观点形成呼应和验证，同时让读者认识到中小企业融资租赁业务的风险可以得到合理的控制及规避，公司也可以在获得高收益的同时做大、做强。文章最后，列举了案例启示和相关建议以及最终的结论。从市场定位和风险管理角度出发，总结了T公司带来的启示。相关建议方面，主要是对外部监管机构和有意向布局中小企业融资租赁业务的融资租赁公司提出了合理化的建议。最后结论，指出了融资租赁公司服务中小企业融资租赁业务市场广阔，也是行业转型发展的必由之路；文章提供的风险管理方法虽然可以提供借鉴，但同时指出了文章还存在的不足之处和未来努力的方向。
英文摘要：	Financial Leasing originated from the United States after the Second World War, it has both the characteristics of financing and financial goods. The first stage is from the introduction to 2006. The industry has experienced the introduction and rapid development to the overdue industrial rent, and a large number of financial leasing companies have gone bankrupt and ceased operation. The second stage is from 2007 to now ,Financial leasing industry enters a new round of rapid development stage. With the development of the financial leasing industry, it is faced with growing difficulties, but at the same time, there are also big problems. In particular, the industry has become more homogeneous, and a large number of businesses belong to the category of credit business, playing the role of shadow banks .But this part of the business dissociates from the financial supervision, has the systematic risk. In recent years, how to guide the Financial leasing industry to return to its original source and turn from vanity to reality, especially the service for small and medium-sized enterprises has become a hot spot in the industry. The state has also formulated a number of policies and measures, such as restricting illegal access to government platforms and encouraging financial leasing companies to serve the real economy, especially small and medium-sized enterprises. But because the project risk of small and medium-sized enterprises is large, the financial leasing company is very cautious to carry out the related business, and has not yet formed the scale. From the theoretical and practical point of view, this paper analyzes and studies the risk management of leasing business of small and medium-sized enterprises in accordance with the general procedure of risk management, namely, identification, measurement and control. Firstly, it introduces the classification, causes and harms of the risks in the financing lease business of small and medium-sized enterprises, and points out the causes and harms of various risks . This paper analyzes the present situation and deficiency of the T financial leasing companies in the risk control of the financial leasing business of the small and medium-sized enterprises, and then, aiming at the measurement of the subjective risk of the financial leasing business of the small and medium-sized enterprises, advances some general methods and ideas. From the point of view of practice, some methods and tools are given as a reference. Finally,general management methods are put forward from the point of view of risk control. In addition, the paper puts forward the guarantee measures of establishing the risk management system of the financial leasing company. Through case analysis, this paper introduces the development results, risk management methods and measures, and actual risk situation of T financial leasing company .Make the reader have a detailed understanding of its overall strategy, financial situation, asset quality, risk management and so on. By analyzing the risk management of T company engaged in the financing lease business of small and medium-sized enterprises for many years, we form and verify the above viewpoint of the paper .At the same time let the reader realize that the risk of financing lease business of small and medium-sized enterprises can be reasonably controlled and evaded, and the company can also get high profits while growing and strengthening. At the end of the paper, the case inspiration, relevant suggestions and the final conclusion are listed. From the perspective of market positioning and risk management, this paper summarizes the enlightenment brought by T company. Related recommendations, mainly to the external regulatory agencies and interested in the layout of small and medium-sized enterprises financing leasing business financing leasing companies to put forward rationalization proposals. In the end, the author points out that the market of financial leasing service for small and medium-sized enterprises by financial leasing companies is vast, and it is also the only way for the industry to transform and develop .At the same time, it points out the deficiency of the article and the direction of future efforts.
查看全文：	预览  下载(下载需要进行登录)